Growth tilted global equity portfolio with strong large cap exposure and moderate diversification
Report created on Apr 29, 2026Risk profile
5/7
Diversification profile
3/5
Positions
-
VO Vanguard S&P 500 Growth Index Fund ETF Shares
VOOG - US9219325050 55.00% -
VX Vanguard Total International Stock Index Fund ETF Shares
VXUS - US9219097683 30.00% -
AV Avantis® U.S. Small Cap Value ETF
AVUV - US0250728773 10.00% -
AV Avantis® International Small Cap Value ETF
AVDV - US0250728021 5.00%
This portfolio is a straightforward, all‑equity mix with four ETFs and a clear tilt to US growth. Over half is in a US large‑cap growth index, about a third in broad international stocks, and the rest in US and international small‑cap value strategies. That structure mixes broad market exposure with a small slice of more specialised tilts. An all‑stock setup usually aims for higher long‑term growth but also comes with larger swings in value. Having just four positions keeps things simple and easy to follow, while the blend of growth and value, large and small companies adds some diversification within equities themselves.
Growth
From late 2019 to April 2026, $1,000 in this portfolio grew to about $2,639, a compound annual growth rate (CAGR) of 15.96%. CAGR is like the average yearly “speed” of growth over the whole journey. That’s almost identical to the US market benchmark and meaningfully ahead of the global market. The worst drop, or max drawdown, was about −34% during early 2020, nearly the same depth as the benchmarks, with a fairly quick recovery in roughly four months. Only 22 days made up 90% of returns, showing that a small number of very strong days drove much of the long‑term gain, which is typical for stock-heavy portfolios.
Projection
The Monte Carlo projection uses thousands of simulated paths based on historical patterns to explore a wide range of future outcomes. It doesn’t try to predict one exact result; instead it shows what could happen if markets behaved similarly to the past, with randomness added. Over 15 years, the median path turns $1,000 into about $2,728, roughly 8% per year, with a wide “likely” range between about $1,749 and $4,077. There’s also a meaningful chance of ending roughly flat or below, as shown by the lower bound near $951. This illustrates both the growth potential and the uncertainty baked into all‑equity investing.
Asset classes
- Stocks 100%
Asset‑class exposure is very clear: 100% stocks and 0% in bonds, cash, or alternatives. That lines up with the “growth” risk classification and explains the portfolio’s higher volatility and deeper potential drawdowns compared with more mixed stock‑bond allocations. Relative to many broad benchmarks that blend in fixed income, this is a more aggressive stance, entirely tied to global equity markets. The benefit is full participation in equity upside over long periods. The trade‑off is that there is no built‑in cushion from bonds or cash during equity bear markets, so the account value will generally move in step with stock market cycles.
Sectors
- Technology 32%
- Financials 15%
- Telecommunications 11%
- Industrials 11%
- Consumer Discretionary 10%
- Health Care 7%
- Basic Materials 4%
- Energy 4%
- Consumer Staples 3%
- Utilities 1%
- Real Estate 1%
Sector exposure is notably tilted toward technology at 32%, with financials, telecom, and industrials next in line. This is more tech‑heavy than many broad global indices, which helps explain the strong historical performance in a period where large tech names led the market. A higher tech share often means more sensitivity to interest rates, innovation cycles, and market sentiment toward growth companies. At the same time, the portfolio still holds meaningful exposure to economically sensitive areas like consumer discretionary and industrials, plus more defensive pockets such as healthcare and consumer staples, which helps spread sector‑specific risks.
Regions
- North America 68%
- Europe Developed 13%
- Japan 6%
- Asia Developed 4%
- Asia Emerging 4%
- Australasia 2%
- Africa/Middle East 1%
- Latin America 1%
Geographically, about 68% of the portfolio is in North America, with the rest spread across Europe, Japan, other developed Asia, and emerging markets. This means a clear US and North America tilt compared with global market weights, which give a slightly smaller share to this region. That tilt has been helpful over the last decade as US large‑cap growth has outpaced many other markets. The remaining third across Europe, Asia, and emerging regions still offers meaningful global diversification, reducing reliance on any single economy or currency and capturing growth from multiple parts of the world.
Market capitalization
- Mega-cap 51%
- Large-cap 23%
- Mid-cap 11%
- Small-cap 8%
- Micro-cap 5%
By market size, the portfolio leans heavily into mega‑caps at 51%, plus another 23% in large‑caps. These companies are typically mature, globally recognised businesses that can dominate index performance. At the same time, there is a noticeable allocation across mid‑cap (11%), small‑cap (8%), and micro‑cap (5%) stocks, mainly via the value‑tilted Avantis funds. Smaller companies can be more volatile but often provide different return patterns than mega‑caps. This blend creates a core driven by large, established firms, with a diversified “satellite” of smaller names that may behave differently across market cycles and economic phases.
True holdings
-
NV NVIDIA Corporation 8.05%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
MS Microsoft Corporation 5.22%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
AA Apple Inc 3.54%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
GO Alphabet Inc Class A 3.18%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
AV Broadcom Inc 2.78%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
GO Alphabet Inc Class C 2.55%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
ME Meta Platforms Inc. 2.38%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
AM Amazon.com Inc 2.05%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
BR Berkshire Hathaway Inc 1.67%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
-
LL Eli Lilly and Company 1.39%
Part of fund(s):- Vanguard S&P 500 Growth Index Fund ETF Shares
- Top 10 total 32.79%
Looking through ETF top‑10 holdings, the largest underlying exposures sit in a handful of very big US companies. NVIDIA, Microsoft, Apple, Alphabet (both share classes), Broadcom, Meta, Amazon, Berkshire Hathaway, and Eli Lilly together make up a significant slice of the covered portion. Many of these appear repeatedly across funds, especially through the S&P 500 Growth ETF, which creates concentration in a few key names even though you only hold four ETFs. Because this analysis covers only top‑10 holdings, overlap is likely understated, but it still highlights that portfolio behaviour will be strongly influenced by those mega‑cap leaders.
Factors
Factor exposures are close to neutral across the board for value, size, momentum, quality, yield, and low volatility. Factor exposure is basically how much the portfolio leans into specific traits that academic research links to returns, like cheapness (value) or stability (low volatility). With everything in the neutral 40–60% range, this portfolio behaves a lot like the broad market rather than making strong bets on any single style. The small‑cap value funds introduce some offsetting tilts, but the large S&P 500 Growth and total international positions dominate, leaving the overall factor profile well‑balanced and broadly diversified.
Risk contribution
-
Vanguard S&P 500 Growth Index Fund ETF Shares
Weight: 55.00% 60.0% -
Vanguard Total International Stock Index Fund ETF Shares
Weight: 30.00% 25.0% -
Avantis® U.S. Small Cap Value ETF
Weight: 10.00% 11.0% -
Avantis® International Small Cap Value ETF
Weight: 5.00% 4.0%
Risk contribution shows how much each holding drives the portfolio’s overall ups and downs, which can differ from its weight. The S&P 500 Growth ETF is 55% of assets but contributes about 60% of total risk, slightly more than its size would suggest. The international broad ETF is 30% of assets yet only about 25% of risk, while the US small‑cap value ETF’s 10% weight adds roughly 11% of risk. The international small‑cap value slice contributes less than its share. Overall, the top three holdings account for about 96% of risk, meaning portfolio volatility is largely driven by those core positions.
Risk vs. return
This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.
Click on the colored dots to explore allocations.
The efficient frontier analysis suggests the current mix sits below the best possible risk‑return tradeoff using these same four ETFs. The portfolio’s Sharpe ratio of 0.63, which measures return per unit of volatility, trails the optimal Sharpe of 0.85 at a similar risk level. The current point is around 1.45 percentage points under the frontier in expected return for its volatility. That means, historically, simply adjusting the weights among these existing holdings — without adding new products — could have produced higher risk‑adjusted returns. Still, sitting on the same Sharpe as the minimum‑variance option indicates the structure is not far off a reasonable balance.
Dividends
- Avantis® International Small Cap Value ETF 2.90%
- Avantis® U.S. Small Cap Value ETF 1.30%
- Vanguard S&P 500 Growth Index Fund ETF Shares 0.50%
- Vanguard Total International Stock Index Fund ETF Shares 2.80%
- Weighted yield (per year) 1.39%
The portfolio’s total dividend yield is about 1.39%, with higher yields from the international funds and lower yields from the US growth exposure. Dividends are the cash payments companies distribute from profits; they form one part of total return alongside price changes. Here, most of the expected long‑term growth comes from capital appreciation rather than income, which is typical for growth‑tilted, all‑equity portfolios. The presence of higher‑yielding international and small‑cap value funds adds some income diversification, but overall this portfolio is more about potential long‑term capital growth than building a large, steady stream of cash payouts.
Ongoing product costs
- Avantis® International Small Cap Value ETF 0.36%
- Avantis® U.S. Small Cap Value ETF 0.25%
- Vanguard S&P 500 Growth Index Fund ETF Shares 0.10%
- Vanguard Total International Stock Index Fund ETF Shares 0.05%
- Weighted costs total (per year) 0.11%
Average ongoing costs are low, with a combined total expense ratio (TER) around 0.11%. The TER is the annual fee charged by the funds, expressed as a percentage of assets. This level is impressively lean, especially given the inclusion of two active, factor‑tilted ETFs alongside very cheap broad index funds. Lower fees mean more of any market return is kept rather than paid out in costs, and that difference compounds over time. From a cost perspective, this portfolio is well‑aligned with best practices and provides an efficient foundation for long‑term investing using diversified, rules‑based strategies.
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